/*
 * Hall of Fame Mortgage - Dream Team Style
 * Exact replica of thedreamteamloans.com
 */

:root {
    --gold: #a47c2c;
    --gold-light: #c3973c;
    --gold-dark: #8a6824;
    --black: #000000;
    --dark: #1a1a1a;
    --darker: #0d0d0d;
    --white: #ffffff;
    --off-white: #f8f8f8;
    --text-dark: #120811;
    --text-gray: #6c757d;
    --text-light: rgba(255, 255, 255, 0.85);
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Poppins', sans-serif;
    color: var(--text-dark);
    background-color: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-weight: 600;
    line-height: 1.2;
}

a {
    text-decoration: none;
    transition: all 0.3s ease;
}

/* ===== HEADER ===== */
.header {
    background: var(--black);
    position: relative;
    z-index: 1000;
}

.header.scrolling-header {
    position: relative;
}

.navbar {
    padding: 15px 0;
}

.navbar-brand img {
    height: 50px;
}

/* Large logo for homepage hero */
.hero-logo {
    max-width: 600px;
    width: 100%;
    height: auto;
}

@media (max-width: 1200px) {
    .hero-logo {
        max-width: 500px;
    }
}

@media (max-width: 991px) {
    .hero-logo {
        max-width: 400px;
    }
}

@media (max-width: 767px) {
    .hero-logo {
        max-width: 300px;
    }
}

/* Menu Toggle Button */
.menu-toggle {
    display: flex;
    flex-direction: column;
    align-items: center;
    background: none;
    border: none;
    cursor: pointer;
    padding: 5px 10px;
    color: var(--white);
}

.menu-toggle i {
    font-size: 1.5rem;
    margin-bottom: 2px;
}

.menu-toggle span {
    font-size: 0.65rem;
    font-weight: 600;
    letter-spacing: 1px;
}

.menu-toggle:hover {
    color: var(--gold);
}

/* Header Phone - Center */
.header-phone {
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 15px;
}

.header-phone span {
    font-size: 0.9rem;
    color: var(--text-light);
    white-space: nowrap;
}

.header-phone a {
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: -1px;
    white-space: nowrap;
}

.header-phone a:hover {
    color: var(--gold);
}

/* Header Buttons */
.header-buttons {
    display: flex;
    gap: 10px;
    margin-left: auto;
}

.btn-gold {
    background-color: var(--gold);
    color: var(--white);
    border: none;
    padding: 15px 35px;
    border-radius: 0;
    font-weight: 600;
    font-size: 0.85rem;
    letter-spacing: 1px;
}

.btn-gold:hover {
    background-color: var(--gold-light);
    color: var(--white);
}

.btn-outline-gold {
    background-color: var(--gold);
    color: var(--white);
    border: 3px solid #3d3d3d;
    padding: 12px 32px;
    border-radius: 0;
    font-weight: 600;
    font-size: 0.85rem;
    letter-spacing: 1px;
}

.btn-outline-gold:hover {
    background-color: var(--gold-light);
    border-color: #3d3d3d;
    color: var(--white);
}

.btn-outline-white {
    background-color: transparent;
    color: var(--white);
    border: 2px solid var(--white);
    padding: 12px 30px;
    border-radius: 0;
    font-weight: 600;
    letter-spacing: 1px;
}

.btn-outline-white:hover {
    background-color: var(--white);
    color: var(--black);
}

/* Mobile Phone Icon */
.mobile-phone {
    width: 45px;
    height: 45px;
    background: var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.1rem;
}

/* ===== OFFCANVAS MENU ===== */
.offcanvas {
    background: var(--black);
    width: 320px;
}

.offcanvas-header {
    padding: 25px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.offcanvas-logo {
    height: 45px;
}

.offcanvas-body {
    padding: 25px;
}

.offcanvas-nav {
    list-style: none;
    padding: 0;
    margin: 0 0 30px 0;
}

.offcanvas-nav > li {
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.offcanvas-nav > li > a {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 0;
    color: var(--white);
    font-size: 1rem;
    font-weight: 500;
}

.offcanvas-nav > li > a:hover {
    color: var(--gold);
}

.offcanvas-nav .submenu {
    list-style: none;
    padding: 0 0 15px 20px;
    margin: 0;
    display: none;
}

.offcanvas-nav .has-submenu.active .submenu {
    display: block;
}

.offcanvas-nav .submenu li a {
    display: block;
    padding: 8px 0;
    color: var(--text-light);
    font-size: 0.9rem;
}

.offcanvas-nav .submenu li a:hover {
    color: var(--gold);
}

.offcanvas-buttons {
    margin-bottom: 30px;
}

.offcanvas-contact {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.offcanvas-contact p {
    color: var(--text-light);
    font-size: 0.85rem;
    margin-bottom: 5px;
}

.offcanvas-contact a {
    color: var(--white);
    font-size: 1.5rem;
    font-weight: 600;
}

/* ===== HERO SECTION ===== */
.hero {
    position: relative;
    min-height: 100vh;
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?ixlib=rb-4.0.3&auto=format&fit=crop&w=2075&q=80') no-repeat center center;
    background-size: cover;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(to right, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.7) 50%, rgba(0,0,0,0.4) 100%);
}

.hero .container-fluid {
    position: relative;
    z-index: 1;
    padding: 0;
}

.hero-left {
    padding: 60px 60px 60px 60px;
}

.hero-content {
    max-width: 600px;
}

/* Broker Info */
.broker-info {
    margin-bottom: 40px;
}

.broker-name {
    color: var(--white);
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 5px;
}

.broker-title {
    color: var(--text-light);
    font-size: 1.1rem;
    margin-bottom: 5px;
}

.broker-contact {
    color: var(--text-light);
    font-size: 0.95rem;
}

.broker-contact a {
    color: var(--white);
    font-weight: 500;
}

.broker-contact a:hover {
    color: var(--gold);
}

/* Hero Headlines */
.hero-headline {
    color: var(--white);
    font-size: 3.2rem;
    font-weight: 700;
    line-height: 1.15;
    margin-bottom: 20px;
}

.hero-subtext {
    color: var(--gold);
    font-size: 1.15rem;
    line-height: 1.6;
    margin-bottom: 40px;
}

/* Loan Selector - Dropdown Style */
.loan-selector {
    display: flex;
    gap: 0;
    max-width: 550px;
}

.loan-dropdown {
    flex: 1;
    padding: 18px 25px;
    font-size: 1rem;
    border: 2px solid var(--white);
    border-right: none;
    background: var(--white);
    color: var(--text-dark);
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3e%3cpath fill='none' stroke='%23343a40' stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M2 5l6 6 6-6'/%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right 15px center;
    background-size: 16px 12px;
}

.loan-dropdown:focus {
    outline: none;
    border-color: var(--gold);
}

.btn-get-started {
    padding: 18px 35px;
    font-size: 0.9rem;
    white-space: nowrap;
    border-radius: 0;
    background-color: #9a7a3c;
    border: none;
}

.btn-get-started:hover {
    background-color: var(--gold);
}

/* Decorative Chevron */
.hero-chevron {
    position: absolute;
    right: 45%;
    top: 50%;
    transform: translateY(-50%);
    font-size: 4rem;
    color: rgba(255,255,255,0.15);
    z-index: 2;
}

/* ===== ADVISOR SECTION ===== */
.advisor-section {
    background: var(--black);
}

.advisor-section .row {
    min-height: 600px;
}

.advisor-image {
    height: 100%;
    min-height: 600px;
    background: url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?ixlib=rb-4.0.3&auto=format&fit=crop&w=1170&q=80') no-repeat center center;
    background-size: cover;
}

.advisor-content {
    padding: 80px 60px;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.advisor-content h2 {
    font-size: 3.5rem;
    color: var(--white);
    margin-bottom: 40px;
    font-style: italic;
    font-weight: 400;
    line-height: 1.2;
}

.advisor-content p {
    color: var(--text-light);
    margin-bottom: 25px;
    line-height: 1.8;
    font-size: 1.05rem;
}

.advisor-link {
    display: inline-block;
    color: var(--gold);
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-decoration: underline;
    text-underline-offset: 5px;
    margin-top: 30px;
}

.advisor-link:hover {
    color: var(--gold-light);
}

/* ===== SOLUTIONS SECTION ===== */
.solutions-section {
    position: relative;
    background: var(--white);
    padding: 80px 0 100px;
}

.solutions-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 50px;
}

.solutions-title {
    font-size: 3rem;
    font-weight: 400;
    color: var(--text-dark);
    line-height: 1.2;
}

.btn-rate-quote {
    background: var(--black);
    color: var(--white);
    border: 2px solid var(--black);
    padding: 18px 40px;
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 1px;
    white-space: nowrap;
}

.btn-rate-quote:hover {
    background: var(--white);
    color: var(--black);
}

.solutions-cards {
    display: flex;
    gap: 20px;
}

.solution-card {
    flex: 1;
    position: relative;
    height: 450px;
    overflow: hidden;
    background-size: cover;
    background-position: center;
}

.solution-card::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 0;
    height: 0;
    border-style: solid;
    border-width: 0 80px 80px 0;
    border-color: transparent #888 transparent transparent;
}

.solution-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(to bottom, rgba(0,0,0,0.1) 0%, rgba(0,0,0,0.6) 100%);
    pointer-events: none;
}

.solution-card-1 {
    background-image: url('https://images.unsplash.com/photo-1560520653-9e0e4c89eb11?ixlib=rb-4.0.3&auto=format&fit=crop&w=800&q=80');
}

.solution-card-2 {
    background-image: url('https://images.unsplash.com/photo-1564013799919-ab600027ffc6?ixlib=rb-4.0.3&auto=format&fit=crop&w=800&q=80');
}

.solution-card-3 {
    background-image: url('https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?ixlib=rb-4.0.3&auto=format&fit=crop&w=800&q=80');
}

.solution-card-content {
    position: relative;
    z-index: 1;
    height: 100%;
    display: flex;
    flex-direction: column;
    padding: 30px;
}

.solution-icon {
    width: 100px;
    height: 100px;
    background: var(--black);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 30px;
}

.solution-icon i {
    font-size: 2.5rem;
    color: var(--white);
}

.solution-card h3 {
    color: var(--white);
    font-size: 1.8rem;
    font-weight: 700;
    text-align: center;
    margin-bottom: 15px;
    margin-top: auto;
}

.solution-card p {
    color: var(--white);
    text-align: center;
    line-height: 1.6;
    font-size: 0.95rem;
}

.solution-link {
    display: none;
}

/* Keep old section-title for other sections */
.section-title {
    text-align: center;
    font-size: 2.5rem;
    color: var(--white);
    margin-bottom: 60px;
    position: relative;
}

.section-title::after {
    content: '';
    position: absolute;
    bottom: -15px;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 3px;
    background: var(--gold);
}

.section-title.text-dark {
    color: var(--text-dark);
}

/* ===== EXPERIENCE SECTION ===== */
.experience-section {
    background: var(--white);
    padding: 100px 0;
}

.experience-headline {
    font-size: 3rem;
    font-weight: 400;
    font-style: italic;
    color: var(--text-dark);
    text-align: center;
    max-width: 900px;
    margin: 0 auto 40px;
    line-height: 1.3;
}

.experience-divider {
    width: 100%;
    max-width: 800px;
    height: 1px;
    background: #ddd;
    margin: 0 auto 50px;
}

.experience-text {
    color: var(--text-gray);
    font-size: 1rem;
    line-height: 1.8;
}

.solution-link i {
    transition: transform 0.3s ease;
}

.solution-link:hover i {
    transform: translateX(5px);
}

/* ===== PROGRAMS SECTION ===== */
.programs-section {
    background: var(--off-white);
    padding: 100px 0;
}

.program-card {
    background: var(--white);
    border-radius: 15px;
    padding: 35px 25px;
    text-align: center;
    box-shadow: 0 5px 30px rgba(0,0,0,0.08);
    height: 100%;
    transition: all 0.3s ease;
}

.program-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 40px rgba(0,0,0,0.15);
}

.program-icon {
    width: 70px;
    height: 70px;
    background: var(--off-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    transition: all 0.3s ease;
}

.program-card:hover .program-icon {
    background: var(--gold);
}

.program-icon i {
    font-size: 1.8rem;
    color: var(--gold);
    transition: all 0.3s ease;
}

.program-card:hover .program-icon i {
    color: var(--white);
}

.program-card h4 {
    color: var(--text-dark);
    font-size: 1.2rem;
    margin-bottom: 12px;
}

.program-card p {
    color: var(--text-gray);
    font-size: 0.95rem;
    margin-bottom: 0;
}

/* ===== TESTIMONIALS SECTION ===== */
.testimonials-section {
    background: var(--white);
    padding: 80px 0;
}

.testimonials-title {
    text-align: center;
    font-size: 2.2rem;
    color: var(--text-dark);
    font-weight: 700;
    margin-bottom: 40px;
}

/* Google Reviews Header */
.google-reviews-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: var(--off-white);
    border-radius: 15px;
    padding: 25px 35px;
    margin-bottom: 30px;
}

.google-reviews-left {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
}

.google-logo {
    font-size: 1.5rem;
    font-weight: 500;
}

.g-blue { color: #4285f4; }
.g-red { color: #ea4335; }
.g-yellow { color: #fbbc05; }
.g-green { color: #34a853; }

.reviews-text {
    font-size: 1.5rem;
    color: var(--text-gray);
    font-weight: 400;
}

.google-rating {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-left: 15px;
}

.rating-number {
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--text-dark);
}

.rating-stars i {
    color: #fbbc05;
    font-size: 1rem;
}

.rating-count {
    color: var(--text-gray);
    font-size: 0.95rem;
}

.btn-google-review {
    background: #4285f4;
    color: var(--white);
    padding: 12px 25px;
    border-radius: 25px;
    font-weight: 500;
    font-size: 0.9rem;
    white-space: nowrap;
}

.btn-google-review:hover {
    background: #3367d6;
    color: var(--white);
}

/* Review Cards */
.review-cards-wrapper {
    overflow-x: auto;
    padding-bottom: 20px;
}

.review-cards {
    display: flex;
    gap: 20px;
    min-width: max-content;
}

.review-card {
    background: var(--white);
    border: 1px solid #e0e0e0;
    border-radius: 12px;
    padding: 25px;
    width: 280px;
    flex-shrink: 0;
}

.review-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 15px;
}

.reviewer-avatar {
    width: 45px;
    height: 45px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-weight: 600;
    font-size: 1.1rem;
}

.reviewer-info {
    display: flex;
    flex-direction: column;
}

.reviewer-name {
    font-weight: 600;
    color: var(--text-dark);
    font-size: 0.95rem;
}

.reviewer-name i {
    color: #4285f4;
    font-size: 0.8rem;
    margin-left: 5px;
}

.review-date {
    color: var(--text-gray);
    font-size: 0.8rem;
}

.review-stars {
    margin-bottom: 12px;
}

.review-stars i {
    color: #fbbc05;
    font-size: 0.9rem;
}

.review-text {
    color: var(--text-dark);
    font-size: 0.9rem;
    line-height: 1.6;
    margin-bottom: 10px;
}

.read-more {
    color: var(--text-dark);
    font-weight: 600;
    font-size: 0.85rem;
}

.read-more:hover {
    color: #4285f4;
}

/* ===== CONSULTATION BUTTON SECTION ===== */
.consultation-button-section {
    background: var(--white);
    padding: 60px 0;
}

.btn-consultation-cta {
    background: var(--black);
    color: var(--white);
    border: 1px solid var(--text-dark);
    padding: 20px 50px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
}

.btn-consultation-cta:hover {
    background: var(--white);
    color: var(--black);
}

/* ===== CONSULTATION SECTION ===== */
.consultation-section {
    position: relative;
    background: url('https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?ixlib=rb-4.0.3&auto=format&fit=crop&w=2070&q=80') no-repeat center center;
    background-size: cover;
    padding: 100px 0 150px;
    text-align: center;
}

.consultation-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.6);
}

.consultation-section .container {
    position: relative;
    z-index: 1;
}

.consultation-headline {
    color: var(--white);
    font-size: 3rem;
    font-style: italic;
    font-weight: 400;
    margin-bottom: 50px;
}

.consultation-form-card {
    background: var(--white);
    max-width: 600px;
    margin: 0 auto;
    padding: 40px;
    border: 3px solid var(--gold);
}

.consultation-text {
    color: var(--text-gray);
    font-size: 1rem;
    line-height: 1.8;
    margin-bottom: 20px;
    text-align: center;
}

.consultation-contact-info {
    text-align: center;
    margin: 30px 0;
}

.consultation-contact-info p {
    font-size: 1.1rem;
    margin-bottom: 10px;
}

.consultation-contact-info i {
    color: var(--gold);
    margin-right: 10px;
}

.consultation-contact-info a {
    color: var(--text-dark);
    font-weight: 500;
}

.consultation-contact-info a:hover {
    color: var(--gold);
}

.consultation-label {
    display: block;
    text-align: center;
    font-size: 1.3rem;
    color: var(--text-dark);
    margin-bottom: 15px;
}

.consultation-input {
    width: 100%;
    border: 1px solid #ddd;
    padding: 15px;
    font-size: 0.9rem;
    margin-bottom: 20px;
    text-align: center;
}

.consultation-input:focus {
    outline: none;
    border-color: var(--gold);
}

.btn-consultation-submit {
    width: 100%;
    background: #e8913a;
    color: var(--white);
    border: none;
    padding: 15px 30px;
    font-size: 1rem;
    font-weight: 500;
    border-radius: 5px;
}

.btn-consultation-submit:hover {
    background: #d17e2f;
    color: var(--white);
}

/* ===== FOOTER ===== */
.footer {
    background: var(--white);
    padding: 80px 0 30px;
    border-top: 1px solid #eee;
}

.footer-logo {
    height: 50px;
    margin-bottom: 20px;
}

.footer-brand p {
    color: var(--text-gray);
    font-size: 0.95rem;
    line-height: 1.7;
}

.footer h5 {
    color: var(--text-dark);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 20px;
}

.footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-links li {
    margin-bottom: 10px;
}

.footer-links a {
    color: var(--text-gray);
    font-size: 0.9rem;
}

.footer-links a:hover {
    color: var(--gold);
}

.footer-contact {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-contact li {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 12px;
    color: var(--text-gray);
    font-size: 0.9rem;
}

.footer-contact li i {
    color: var(--gold);
    width: 16px;
}

.footer-contact a {
    color: var(--text-gray);
}

.footer-contact a:hover {
    color: var(--gold);
}

.social-links {
    display: flex;
    gap: 12px;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: var(--off-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-dark);
    transition: all 0.3s ease;
}

.social-links a:hover {
    background: var(--gold);
    color: var(--white);
}

.footer-bottom {
    margin-top: 50px;
    padding-top: 30px;
    border-top: 1px solid #eee;
}

.equal-housing {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--text-gray);
    font-size: 0.85rem;
}

.equal-housing i {
    font-size: 1.5rem;
}

.footer-legal {
    text-align: right;
}

.footer-legal p {
    color: var(--text-gray);
    font-size: 0.85rem;
    margin-bottom: 5px;
}

.footer-legal a {
    color: var(--gold);
}

.footer-legal a:hover {
    text-decoration: underline;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1199px) {
    .header-phone a {
        font-size: 1.5rem;
    }

    .hero-headline {
        font-size: 2.8rem;
    }
}

@media (max-width: 991px) {
    .header-phone {
        position: static;
        transform: none;
        display: none !important;
    }

    .hero-left {
        padding: 100px 30px 60px 30px;
    }

    .hero-headline {
        font-size: 2.5rem;
    }

    .broker-name {
        font-size: 2rem;
    }

    .loan-selector {
        flex-direction: column;
        gap: 10px;
    }

    .loan-dropdown {
        border-right: 2px solid var(--white);
    }

    .advisor-image {
        min-height: 400px;
    }

    .advisor-content {
        padding: 50px 30px;
        text-align: center;
    }

    .advisor-content h2 {
        font-size: 2.5rem;
    }

    .solutions-header {
        flex-direction: column;
        gap: 20px;
        align-items: flex-start;
    }

    .solutions-cards {
        flex-direction: column;
    }

    .solution-card {
        height: 350px;
    }

    .footer-legal {
        text-align: center;
        margin-top: 20px;
    }

    .equal-housing {
        justify-content: center;
    }
}

@media (max-width: 767px) {
    .navbar-brand img {
        height: 40px;
    }

    .hero-left {
        padding: 100px 20px 40px 20px;
    }

    .hero-headline {
        font-size: 2rem;
    }

    .broker-name {
        font-size: 1.8rem;
    }

    .hero-subtext {
        font-size: 1rem;
    }

    .section-title {
        font-size: 2rem;
    }

    .experience-headline {
        font-size: 1.8rem;
    }

    .advisor-placeholder {
        height: 300px;
    }

    .consultation-headline {
        font-size: 2rem;
    }

    .consultation-form-card {
        padding: 25px;
    }

    .consultation-buttons {
        flex-direction: column;
        align-items: center;
    }

    .consultation-buttons .btn {
        width: 100%;
        max-width: 280px;
    }
}

/* ===== PAGE STYLES (Contact, Apply, Privacy) ===== */
.page-header {
    background: var(--black);
    padding: 150px 0 80px;
    text-align: center;
}

.page-header h1 {
    color: var(--white);
    font-size: 3rem;
    margin-bottom: 15px;
}

.page-header p {
    color: var(--text-light);
    font-size: 1.1rem;
}

.page-content {
    background: var(--off-white);
    padding: 80px 0;
}

.form-card {
    background: var(--white);
    border-radius: 20px;
    padding: 50px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.1);
}

.form-card h2 {
    color: var(--text-dark);
    font-size: 1.8rem;
    margin-bottom: 30px;
}

.form-label {
    color: var(--text-dark);
    font-weight: 500;
    margin-bottom: 8px;
}

.form-control,
.form-select {
    border: 1px solid #ddd;
    border-radius: 8px;
    padding: 12px 15px;
    font-size: 1rem;
    transition: all 0.3s ease;
}

.form-control:focus,
.form-select:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(164, 124, 44, 0.15);
}

.form-card .btn-gold {
    width: 100%;
    padding: 15px;
    font-size: 1.1rem;
    margin-top: 20px;
}

.info-card {
    background: var(--white);
    border-radius: 15px;
    padding: 30px;
    box-shadow: 0 5px 30px rgba(0,0,0,0.08);
    margin-bottom: 20px;
}

.info-card h4 {
    color: var(--text-dark);
    font-size: 1.1rem;
    margin-bottom: 15px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.info-card h4 i {
    color: var(--gold);
}

.info-card p,
.info-card a {
    color: var(--text-gray);
    font-size: 0.95rem;
}

.info-card a:hover {
    color: var(--gold);
}

.info-card.highlight {
    background: var(--gold);
}

.info-card.highlight h4,
.info-card.highlight p,
.info-card.highlight a {
    color: var(--white);
}

/* ===== FLIP CARDS ===== */
.flip-card {
    perspective: 1000px;
    height: 350px;
}

.flip-card-inner {
    position: relative;
    width: 100%;
    height: 100%;
    transition: transform 0.6s;
    transform-style: preserve-3d;
}

.flip-card:hover .flip-card-inner {
    transform: rotateY(180deg);
}

/* Keep the card flipped while interacting with back content */
.flip-card-inner:hover {
    transform: rotateY(180deg);
}

.flip-card-front,
.flip-card-back {
    position: absolute;
    width: 100%;
    height: 100%;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
    border-radius: 15px;
}

.flip-card-front {
    background: var(--white);
    box-shadow: 0 5px 30px rgba(0,0,0,0.08);
    overflow: hidden;
}

.flip-card-back {
    background: var(--gold);
    transform: rotateY(180deg);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 30px;
    text-align: center;
    pointer-events: auto;
    z-index: 5;
}

/* Ensure buttons on flip card back are clickable */
.flip-card-back .btn {
    position: relative;
    z-index: 10;
    pointer-events: auto;
    cursor: pointer;
}

.flip-card-back h4 {
    color: var(--white);
    font-size: 1.3rem;
    margin-bottom: 20px;
}

.flip-card-back p {
    color: rgba(255,255,255,0.9);
    margin-bottom: 20px;
    font-size: 0.95rem;
}

.flip-card-back .btn {
    margin: 5px;
}

.flip-card-back .btn-outline-white {
    border-color: var(--white);
    color: var(--white);
}

.flip-card-back .btn-outline-white:hover {
    background: var(--white);
    color: var(--gold);
}

/* ===== YOUTUBE VIDEO SECTION ===== */
.video-section {
    background: var(--off-white);
    padding: 80px 0;
}

.video-card {
    background: var(--white);
    border-radius: 15px;
    overflow: hidden;
    box-shadow: 0 5px 30px rgba(0,0,0,0.08);
    margin-bottom: 30px;
}

.video-card .video-wrapper {
    position: relative;
    padding-bottom: 56.25%;
    height: 0;
    overflow: hidden;
}

.video-card .video-wrapper iframe {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
}

.video-card .video-info {
    padding: 20px;
}

.video-card .video-info h4 {
    color: var(--text-dark);
    font-size: 1.1rem;
    margin-bottom: 10px;
}

.video-card .video-info p {
    color: var(--text-gray);
    font-size: 0.9rem;
    margin-bottom: 0;
}

/* ===== MORTGAGE RATES SECTION ===== */
.rates-section {
    background: var(--white);
    padding: 80px 0;
}

.rates-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 30px;
}

.rate-card {
    background: var(--off-white);
    border-radius: 15px;
    padding: 30px 20px;
    text-align: center;
    transition: all 0.3s ease;
    border: 2px solid transparent;
}

.rate-card:hover {
    transform: translateY(-5px);
    border-color: var(--gold);
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}

.rate-type {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 10px;
}

.rate-value {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 8px;
}

.rate-apr {
    font-size: 0.85rem;
    color: var(--text-gray);
}

.rates-disclaimer {
    background: var(--off-white);
    border-radius: 10px;
    padding: 15px 20px;
    margin-top: 20px;
}

.rates-disclaimer p {
    font-size: 0.8rem;
    color: var(--text-gray);
    margin: 0;
    line-height: 1.6;
}

.rates-disclaimer i {
    color: var(--gold);
    margin-right: 8px;
}

@media (max-width: 991px) {
    .rates-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 575px) {
    .rates-grid {
        grid-template-columns: 1fr;
    }

    .rate-value {
        font-size: 2rem;
    }
}

.rates-widget-placeholder {
    background: linear-gradient(135deg, var(--off-white) 0%, #e8e8e8 100%);
    border-radius: 15px;
    padding: 60px 40px;
    text-align: center;
    border: 2px dashed var(--gold);
}

.rates-widget-placeholder i {
    font-size: 3rem;
    color: var(--gold);
    margin-bottom: 20px;
}

.rates-widget-placeholder h3 {
    color: var(--text-dark);
    margin-bottom: 10px;
}

.rates-widget-placeholder p {
    color: var(--text-gray);
}

/* ===== NEXA MORTGAGE FOOTER ===== */
.nexa-branding {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid #eee;
}

.nexa-branding img {
    height: 40px;
}

.nexa-branding p {
    font-size: 0.8rem;
    color: var(--text-gray);
    margin: 0;
}

/* ===== TEAM PAGE STYLES ===== */
.team-section {
    background: var(--off-white);
    padding: 80px 0;
}

.team-member-card {
    background: var(--white);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 10px 40px rgba(0,0,0,0.1);
    margin-bottom: 30px;
}

.team-member-photo {
    width: 100%;
    height: 400px;
    object-fit: cover;
    object-position: center top;
}

.team-member-photo-placeholder {
    width: 100%;
    height: 400px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
}

.team-member-photo-placeholder i {
    font-size: 8rem;
    color: rgba(255,255,255,0.3);
}

.team-member-info {
    padding: 30px;
}

.team-member-info h3 {
    color: var(--text-dark);
    font-size: 1.8rem;
    margin-bottom: 5px;
}

.team-member-info .title {
    color: var(--gold);
    font-size: 1.1rem;
    font-weight: 500;
    margin-bottom: 15px;
}

.team-member-info .nmls {
    color: var(--text-gray);
    font-size: 0.9rem;
    margin-bottom: 20px;
}

.team-member-info .bio {
    color: var(--text-gray);
    line-height: 1.8;
}

.team-member-contact {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

.team-member-contact a {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--text-dark);
    font-size: 0.95rem;
}

.team-member-contact a:hover {
    color: var(--gold);
}

.team-member-contact i {
    color: var(--gold);
}

/* Certified Mortgage Advisor Badge */
.certification-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
    color: var(--white);
    padding: 8px 16px;
    border-radius: 25px;
    font-size: 0.85rem;
    font-weight: 500;
    margin-bottom: 15px;
}

.certification-badge i {
    font-size: 1rem;
}

/* ===== LOAN PROGRAM PAGE STYLES ===== */
.loan-page-header {
    background: linear-gradient(135deg, var(--black) 0%, #1a1a1a 100%);
    padding: 120px 0 60px;
    color: var(--white);
}

.loan-page-header .breadcrumb {
    background: none;
    padding: 0;
    margin-bottom: 20px;
}

.loan-page-header .breadcrumb-item a {
    color: var(--gold);
}

.loan-page-header .breadcrumb-item.active {
    color: rgba(255,255,255,0.7);
}

.loan-page-header .breadcrumb-item + .breadcrumb-item::before {
    color: rgba(255,255,255,0.5);
}

.loan-page-header h1 {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 15px;
}

.loan-page-header .lead {
    font-size: 1.25rem;
    opacity: 0.9;
}

.loan-content {
    padding: 80px 0;
    background: var(--off-white);
}

.loan-info-card {
    background: var(--white);
    border-radius: 15px;
    padding: 40px;
    box-shadow: 0 5px 30px rgba(0,0,0,0.08);
}

.loan-info-card h2 {
    color: var(--text-dark);
    font-size: 2rem;
    margin-bottom: 20px;
}

.loan-info-card h3 {
    color: var(--gold);
    font-size: 1.4rem;
    margin-top: 40px;
    margin-bottom: 20px;
    padding-top: 30px;
    border-top: 1px solid #eee;
}

.loan-info-card h3:first-of-type {
    border-top: none;
    padding-top: 0;
}

.loan-info-card p {
    color: var(--text-gray);
    line-height: 1.8;
}

.loan-benefits {
    list-style: none;
    padding: 0;
}

.loan-benefits li {
    padding: 10px 0;
    color: var(--text-gray);
    display: flex;
    align-items: flex-start;
    gap: 15px;
}

.loan-benefits li i {
    color: var(--gold);
    font-size: 1.2rem;
    margin-top: 3px;
}

.requirements-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-top: 20px;
}

.requirement-item {
    background: var(--off-white);
    padding: 20px;
    border-radius: 10px;
}

.requirement-label {
    display: block;
    color: var(--gold);
    font-weight: 600;
    font-size: 0.9rem;
    margin-bottom: 8px;
}

.requirement-value {
    display: block;
    color: var(--text-dark);
    font-size: 1rem;
}

@media (max-width: 767px) {
    .requirements-grid {
        grid-template-columns: 1fr;
    }
}

.loan-sidebar {
    position: sticky;
    top: 100px;
}

.loan-sidebar .sidebar-card {
    background: var(--white);
    border-radius: 15px;
    padding: 25px;
    margin-bottom: 20px;
    box-shadow: 0 5px 30px rgba(0,0,0,0.08);
}

.loan-sidebar .sidebar-card.highlight {
    background: var(--gold);
}

.loan-sidebar .sidebar-card.highlight h4,
.loan-sidebar .sidebar-card.highlight p {
    color: var(--white);
}

.loan-sidebar .sidebar-card h4 {
    color: var(--text-dark);
    font-size: 1.2rem;
    margin-bottom: 15px;
}

.loan-sidebar .sidebar-card p {
    color: var(--text-gray);
    font-size: 0.95rem;
    margin-bottom: 15px;
}

.other-loans {
    list-style: none;
    padding: 0;
    margin: 0;
}

.other-loans li {
    padding: 8px 0;
    border-bottom: 1px solid #eee;
}

.other-loans li:last-child {
    border-bottom: none;
}

.other-loans a {
    color: var(--text-dark);
    display: flex;
    align-items: center;
    gap: 10px;
}

.other-loans a:hover {
    color: var(--gold);
}

.other-loans a::before {
    content: '\f054';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    font-size: 0.7rem;
    color: var(--gold);
}

/* VA Loan specific */
.veteran-cta {
    background: linear-gradient(135deg, #0d1b2a 0%, #1b263b 100%);
    padding: 30px;
    border-radius: 10px;
    margin-top: 30px;
}

.veteran-cta h3 {
    color: var(--white) !important;
    border: none !important;
    padding: 0 !important;
    margin: 0 0 15px 0 !important;
}

.veteran-cta h3 i {
    color: var(--gold);
    margin-right: 10px;
}

.veteran-cta p {
    color: rgba(255,255,255,0.9);
    margin: 0;
}

/* Construction loan timeline */
.construction-timeline {
    margin-top: 30px;
}

.timeline-step {
    display: flex;
    gap: 20px;
    margin-bottom: 25px;
    align-items: flex-start;
}

.timeline-step .step-number {
    width: 40px;
    height: 40px;
    background: var(--gold);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    flex-shrink: 0;
}

.timeline-step .step-content h4 {
    color: var(--text-dark);
    font-size: 1.1rem;
    margin-bottom: 5px;
}

.timeline-step .step-content p {
    margin: 0;
    font-size: 0.95rem;
}

/* Loan types grid */
.loan-types {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-top: 20px;
}

.loan-type {
    background: var(--off-white);
    padding: 20px;
    border-radius: 10px;
}

.loan-type h4 {
    color: var(--gold);
    font-size: 1.1rem;
    margin-bottom: 10px;
}

.loan-type p {
    margin: 0;
    font-size: 0.95rem;
}

@media (max-width: 767px) {
    .loan-types {
        grid-template-columns: 1fr;
    }
}

/* DSCR formula box */
.dscr-formula {
    background: var(--off-white);
    padding: 25px;
    border-radius: 10px;
    text-align: center;
    margin-top: 20px;
}

.dscr-formula p:first-child {
    font-size: 1.2rem;
    color: var(--text-dark);
    margin-bottom: 10px;
}

/* Jumbo loan limits */
.loan-limits {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-top: 20px;
}

.limit-item {
    background: var(--gold);
    padding: 20px;
    border-radius: 10px;
    text-align: center;
}

.limit-label {
    display: block;
    color: rgba(255,255,255,0.9);
    font-size: 0.9rem;
    margin-bottom: 8px;
}

.limit-value {
    display: block;
    color: var(--white);
    font-size: 1.5rem;
    font-weight: 700;
}

@media (max-width: 767px) {
    .loan-limits {
        grid-template-columns: 1fr;
    }

    .loan-page-header h1 {
        font-size: 2rem;
    }
}